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Term vs. whole life — compare the cost

Enter your own quoted premiums to compare the total cost of term and whole life, plus a buy-term-and-invest-the-difference illustration. Educational only — this tool never quotes a premium.

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Educational only. Not tax or legal advice. See Disclosures.

01Protection

02Income

03Business

04Legacy

Coverage amount$500,000

Your term quote (monthly premium)$40

Enter your own quoted premium — this tool never quotes a rate.

Your whole life quote (monthly premium)$340

Enter your own quoted premium — this tool never quotes a rate.

Comparison period30 yrs

Assumed return on the differenceyour assumption6.0%

For "buy term & invest the difference."

Hypothetical illustration — educational only

Premium cost difference over 30 years: $108,000

Any illustration or projection shown is hypothetical, is based on assumptions that are not guaranteed, and is intended solely to demonstrate how a concept may work — not to predict or guarantee actual results. Non-guaranteed values are not guaranteed and will vary. Actual results depend on the specific product, carrier, assumptions, and your circumstances. This is not an offer, a quote, or a recommendation to purchase any product.

This calculator is provided for educational and illustrative purposes only. It uses simplified assumptions, does not reflect any specific product, carrier, or your complete financial situation, and its output is not advice, a quote, an application, or a guarantee. Consult a licensed professional before making any decision.

Annuities and cash-value life insurance are long-term products with fees, surrender charges, and holding-period considerations, and are not bank deposits, are not FDIC- or NCUA-insured, and are not guaranteed by any bank or government agency. Indexed products include non-guaranteed elements — including caps, participation rates, and spreads that the insurer may change — and are not a direct investment in any index or market. Loans and withdrawals reduce cash value and death benefit and may have tax consequences. Guarantees are backed solely by the claims-paying ability of the issuing insurer. Review the carrier's product illustration and disclosure documents before purchasing.

This material is for general educational purposes only and does not constitute tax, legal, or accounting advice. Neither Tony Jones nor AnteAmbulo LD provides tax or legal advice. Please consult your own independent tax, legal, and financial professionals regarding your specific situation before making any decision.

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Educational only. Not tax or legal advice. See Disclosures.